Answers for England and Wales

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Question: 5.17.5. Does the lender need to be sent the power of attorney?

Lender Answer
Accord Buy to Let No.
Accord Mortgages Ltd No
Adam & Company Yes, after completion, duly certified in accordance with Section 3 of the Powers of Attorney Act 1971.

Adam & Company International Yes, after completion, duly certified in accordance with Section 3 of the Powers of Attorney Act 1971.

Ahli United Bank (UK) plc We do not generally accept documentation signed under Power of Attorney. Please refer to Central Administration Unit for approval on this particular case
Aldermore Bank PLC We would not normally accept a power of attorney. Please refer to 1.11.
Allied Irish Bank (GB), a trading name of AIB Group (UK) Yes at completion.
April Mortgages Yes - A certified copy, following completion if the Mortgage Deed or Loan Agreement is executed under a Power of Attorney.
Atom Bank plc Yes, if the mortgage account is to be operated under the power of attorney, we require sight of the power of attorney before completion to check its suitability along with a specimen signature of the attorney. In addition you should satisfy yourself that the attorney will have the necessary delegated powers to operate the account.
Aviva Equity Release UK Ltd Yes - certified copy only.
Bank of China No Powers of Attorney accepted. All documents must be signed by Original Parties.
Bank of Ireland (UK) plc Yes, to be placed with the title deeds after completion.
Bank of Ireland as Bank of Ireland Mortgages Yes, to be placed with the title deeds after completion.
Bank of Scotland Beginning A Only if the mortgage account is to be operated under the power of attorney following completion. In those circumstances you must check that the power of attorney delegates the necessary powers for the operation of the account and send a suitably certified copy, together with a covering letter, to Bank of Scotland, Nexus, PO Box 548, Leeds, LS1 1WU
Bank of Scotland Beginning O Only if the mortgage account is to be operated under the power of attorney following completion. In those circumstances you must check that the power of attorney delegates the necessary powers for the operation of the account and send a suitably certified copy, together with a covering letter, to Bank of Scotland Plc, Pentland House, 8 Lochside Avenue, Edinburgh EH12 9DJ
Bank of Scotland Private Banking  
Barclays Bank UK PLC No
Barnsley Building Soc, a trading name Yorkshire Building Soc No.
Birmingham Bank Yes
Birmingham Midshires No
Bluestone Mortgages No, but please keep a copy with your file.
Bradford & Bingley Limited A certified copy is required on completion with the title deeds.
Britannia, a trading name of The Co-operative Bank plc Yes
Buckinghamshire Building Society Yes
Chelsea Building Society (a trading name of Yorkshire BS) No.
CHL Mortgages CHL does not accept Power of Attorney.
Clydesdale Bank plc Only if the mortgage account is to be operated under the Power of Attorney following completion. In those circumstances you must send a suitably certified copy, together with a covering letter to:
Mortgage Services
PO BOX 3105
Clydebank
Glasgow
G60 9AU
Co-operative Bank plc See 14.2.2 later. To be placed with the title deeds.
Coutts Yes, after completion, duly certified in accordance with Section 3 of the Powers of Attorney Act 1971.
Coutts Finance Co Yes, after completion, duly certified in accordance with Section 3 of the Powers of Attorney Act 1971.
Coventry Building Society A certified copy, following completion if the Mortgage Deed is executed under a Power of Attorney.
Cynergy Bank Yes. To be provided with the title deeds and documents following the conveyance.
Danske Bank We would not normally accept a power of attorney. Please notify us via the details in 1.11a.
Darlington Building Society Please send copy with Certificate of Title
DB UK Bank Ltd Yes
Dudley Building Society Yes, a certified copy, following completion if the mortgage deed is executed under a power of attorney.
Ecology Building Society Yes
Family Building Soc (a trading name of National Counties BS) No, but please keep a copy on your file.
First Direct Yes, we sight of the original or a certified copy of either the original or an extract of the power of attorney before completion to check its suitability along with a specimen signature of the attorney.
Fleet Mortgages No. We will not lend unless all documents have been signed by the borrower(s). Documents signed by attorneys are unacceptable.
Foundation Home Loans No, but you should retain on your file.
Furness Building Society Yes, with the title deeds.
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Gen H Please notify us as detailed at 1.11a where there is a power of attorney.
Godiva Mortgages Ltd A certified copy, following completion if the mortgage deed is executed under a power of attorney.
Habito No
Halifax No.
Halifax Loans Ltd Only if the mortgage account is to be operated under the power of attorney following completion. In those circumstances you must check that the power of attorney delegates the necessary powers for the operation of the account and send a suitably certified copy, together with a covering letter to Halifax Loans Limited, Trinity Road, Halifax, HX1 2RG
Hampden & Co. plc Please retain with the title deeds. It must be duly certified in accordance with Section 3 of the Powers of Attorney Act 1971.
Handelsbanken Yes, certified copy following completion.
Harpenden Building Society Certified copy
Hinckley and Rugby Building Society Yes, after completion, with the Title Documents
Hodge Yes, a suitably certified copy of the power of attorney, together with a covering letter, is required to be sent to us (as per 11.1a) as soon as possible (and in any event within 7 days) after completion.

If the mortgage account is to be operated under the power of attorney following completion, you must check that the power of attorney delegates the necessary powers for the operation of the account and confirm in the covering letter that this is the case. Please confirm the correspondence address for the attorney.

Where the attorney is not a member of the Donor's family or a solicitor, please provide details of the relationship/association between the Donor and the attorney in the covering letter.
We do not accept General Power of Attorney
Hodge Equity Release Yes, a suitably certified copy of the power of attorney, together with a covering letter, is required to be sent to us (as per 11.1a) as soon as possible (and in any event within 7 days) after completion.

If the mortgage account is to be operated under the power of attorney following completion, you must check that the power of attorney delegates the necessary powers for the operation of the account and confirm in the covering letter that this is the case. Please confirm the correspondence address for the attorney.

Where the attorney is not a member of the Donor's family or a solicitor, please provide details of the relationship/association between the Donor and the attorney in the covering letter.
We do not accept General Power of Attorney
Holmesdale Building Society yes, after completion.
HSBC UK Bank plc Yes, we require sight of the original or a certified copy of either the original or an extract of the power of attorney before completion to check its suitability along with a specimen signature of the attorney.
Intelligent Finance No. Please note we will not allow an attorney to operate the mortgage following completion.
Investec Bank plc No, but you should retain a copy in the file of original deal documents that you hold for the Bank.
ITL Mortgages No
JPMorgan Chase Bank, N.A. Yes, placed with deeds where agreed by office issuing Mortgage Instructions.
Kensington Mortgage Company Ltd For matters post completion, yes we require sight of the Power of Attorney. Please forward to: Deeds Administration, Kensington Mortgage Company Ltd, PO Box 4760, Maidenhead, SL60 1HU. However please note that applicants may not appoint a power of attorney to sign any documents in relation to the mortgage prior to completion.
Kent Reliance (a trading name of OneSavings Bank plc) Yes, a certified copy to be sent after completion.
Keystone Property Finance No. We will not lend unless all documents have been signed by the borrower(s). Documents signed by attorneys are unacceptable
Landbay Partners Limited A power of attorney must not be used for the execution of our documents. Where other documents have been executed under a power of attorney, this should be sent to us after completion.
Landmark Mortgages Limited Yes, after completion with the Title Deeds. A certified copy is sufficient.
Leeds Building Society Yes. Please upload to the LMS system S.T.A.R.S after completion or in the case of Limited Company Buy to Let, please send a copy via email to LBSgeneraladmin@peppergroup.co.uk.
Legal & General Home Finance Ltd Yes, we require a copy certified by a solicitor. Where the mortgage is a lifetime mortgage, an attorney may only sign on behalf of a borrower where the power is an enduring or lasting power of attorney and the borrower is incapacitated. You must confirm that the mortgage is for the welfare and benefit of the donor. You must obtain a clear bankruptcy search against any attorney(s).
LendInvest No
LiveMore Capital Yes. Certified copies should be sent to us at the address given in Section 1.11a
Lloyds Bank plc pre fixed 20/40 A certified copy, following completion if the Mortgage Deed is executed under a Power of Attorney.
Lloyds Bank plc pre fixed 50/30/77 Yes, with the title deeds if the Mortgage Deed or Mortgage Loan Agreement is executed under a Power of Attorney.
Lloyds TSB Scotland plc A certified copy, following completion if the Mortgage Deed or Loan Agreement is executed under a Power of Attorney.
M&S Bank Yes, we require sight of the power of attorney before completion to check its suitability along with a specimen signature of the attorney
Magellan Homeloans Only if the mortgage account is to be operated under the power of attorney following completion. In those circumstances you must check that the power of attorney delegates the necessary powers for the operation of the account and send a suitably certified copy, together with a covering letter, to issuing office in 1.11
Manchester Building Society Yes, after completion with the Title deeds.
Market Harborough Building Society Yes
Masthaven Bank No, but please keep a copy with your file.
Metro Bank plc Yes – a certified copy of the power of attorney is required to be sent to mortgagecompletions@metrobank.plc.uk
ModaMortgages No, but you should retain on your file.
Molo Finance No, but must keep a copy on your file.
Monmouthshire Building Society Yes.
Mortgage Agency Services Yes
Mortgage Express A certified copy is required on completion with the title deeds.
Mortgage Express No 2  
MPowered Mortgages For BTL - No. We will not lend unless all documents have been signed by the borrower(s). Documents signed by attorneys are unacceptable.

For Residential –
We will accept POAs on provision they are the following:
• A Lasting Power of Attorney (LPA).
• An Enduring Power of Attorney (EPA) signed prior to 01/10/2017.
• Or a General (Ordinary) Power of Attorney, no more than 12 months old.
We will require:
• Confirmation from the Court of Protection/Office of the Public Guardian has been received.
• Applicants have not acted as attorneys for each other.
• Attorneys have not acted on behalf of more than one applicant.
• All attorneys have passed the firm’s normal customer due diligence process.
National Counties Building Society No, but please keep a copy on your file.
National Westminster Bank plc Yes, a certified copy to be sent after completion as set out in 14.2.2.
Nationwide Building Society No
Nedbank Private Wealth Ltd You must refer to us.
New Street Mortgages For matters post completion, yes we require sight of the Power of Attorney. Please forward to: New Street Mortgages, PO Box 4760, Maidenhead, SL60 1HU. However please note that applicants may not appoint a power of attorney to sign any documents in relation to the mortgage prior to completion.
NRAM Ltd Yes, after completion with the Title deeds. A certified copy is sufficient.
Paragon Buy to Let Mortgages A power of attorney must not be used for the execution of our documentation (including but not limited to the Legal Charge and any supporting Deed of Guarantee). Where any other documents have been executed under a power of attorney with our prior consent in writing, please include a certified copy with the deeds.
Paragon Residential Owner-Occupied Mortgages A power of attorney must not be used for the execution of our documentation (including but not limited to the Legal Charge and any supporting Deed of Guarantee). Where any other documents have been executed under a power of attorney with our prior consent in writing, please include a certified copy with the deeds.
Paratus AMC Ltd No.
Parity Trust Yes
Pepper Money Pepper Money does not accept applications or offer mortgages involving powers of attorney. Please notify us as soon as possible on 0333 370 1101 if you are made aware of any intention to use a power of attorney.
Pepper Money (PUK) Pepper Money does not accept applications or offer mortgages involving powers of attorney. Please notify us as soon as possible on 0333 370 1101 if you are made aware of any intention to use a power of attorney.
Perenna No, however we require you to keep a copy with your mortgage file in all cases.
Platform (a trading name of The Co-operative Bank p.l.c.) Yes
Precise Mortgages (Charter Court Financial Services Ltd) Yes, a certified copy to be sent after completion.
Principality Building Society Please send a certified copy with Certificate of Title
Reliance Bank Ltd Yes
Rooftop Mortgages Ltd Yes. Please place with the title deeds.
Saffron Building Society Yes - please note we would not normally accept a power of attorney in relation to purchases.
Mortgage Processing Team
Saffron Building Society, Saffron House, 1A. Market Street, Saffron Walden, Essex. CB10 1HX

Mortgage.processing@saffronbs.co.uk
Telephone 01799 582966
Fax 01799 581901
Sainsbury's Bank Please inform us immediately if there is a power of attorney at the contact point as detailed in 1.11a.

Yes, a certified copy should be sent to us at completion.
Santander UK plc Yes, a suitably certified copy of the power of attorney, together with a covering letter, is required to be sent to the Mortgage Operations office instructing you as soon as possible (and in any event within 7 days) after completion.

If the mortgage account is to be operated under the power of attorney following completion, you must check that the power of attorney delegates the necessary powers for the operation of the account and confirm in the covering letter that this is the case. Please confirm the correspondence address for the attorney.

Where the attorney is not a member of the Donor's family or a solicitor, please provide details of the relationship/association between the Donor and the attorney in the covering letter.
Scottish Building Society No, a certified copy is acceptable.
Scottish Widows Bank Yes, after completion.
Secure Trust Bank PLC We would not normally accept a power of attorney. Please refer to 1.11.
Skipton Building Society No, as long as you retain it on your file.
St James Place Bank No. Please note that we will not allow an attorney to operate the mortgage facility following completion.
State Bank of India UK A power of attorney must not be used for the execution of our documentation. Where other documents have been executed under a power of attorney, this should be sent to us after completion.
Swansea Building Society Yes
The Mortgage Business Only if the mortgage account is to be operated under the power of attorney following completion. In those circumstances you must send a suitably certified copy, together with a covering letter to The Mortgage Business, PO Box 548 Leeds LS1 1WU.
The Mortgage Lender Limited Documents signed by attorneys are unacceptable.
The Mortgage Works No
The Royal Bank of Scotland plc Yes, a certified copy to be sent after completion as set out in 14.2.2.
The Royal Bank of Scotland plc Direct Line Mortgages Yes, a certified copy to be sent after completion.
The Royal Bank of Scotland plc Direct Line One Yes, a certified copy to be sent after completion.
The Royal Bank of Scotland plc First Active Yes, a certified copy to be sent after completion.
The Royal Bank of Scotland plc Natwest one Account Yes, a certified copy to be sent after completion.
The Royal Bank of Scotland plc One Account Yes, a certified copy to be sent after completion.
The Royal Bank of Scotland plc Virgin One Yes, a certified copy to be sent after completion.
The Tipton & Coseley Building Society Yes.
Together Personal Finance Limited Yes - Solicitor to advise of the reason for a Power of Attorney being used.
Topaz Finance Ltd No but please keep a copy on your file.
TSB Bank plc A certified copy, following completion if the Mortgage Deed or Loan Agreement is executed under a Power of Attorney.
Ulster Bank Yes, a certified copy to be sent after completion.
Vida Homeloans Yes, copy provided after completion to:
Mortgage Services,
Vida Homeloans,
Gateway House,
Gargrave Road,
Skipton,
North Yorkshire,
BD23 2HL
Virgin Money The documents we need post-completion are listed in our current Deeds Schedule.
Whistletree (a trading name of TSB Bank plc) Yes, after completion with the Title Deeds
Yorkshire Bank Home Loans Ltd Only if the mortgage account is to be operated under the power of attorney following completion. In those circumstances you must send a suitably certified copy, together with a covering letter to:
Mortgage Services
PO BOX 3105
Clydebank
Glasgow
G60 9AU
Tel - 0800 121 4203
Yorkshire Building Society No.
Zephyr Homeloans No but please keep a copy on your file.